Charleston Insurance Rates:

Charleston, WV homeowners insurance is approximately $788 to $1,077, about $65-$89/month. Our exhaustive guide shows customers can save upto $373 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Cheapest Homeowners Insurance in Charleston, WV

As a homeowner in Charleston, WV, it's important to have adequate insurance coverage to protect your home and belongings. Homeowners insurance is a type of property insurance that covers your home and contents in the event of damage or theft. It can also provide liability coverage if someone is injured on your property. Many types of homeowners insurance policies are available, so it's important to work with an experienced agent to choose the right one for your needs. Basic coverage typically includes protection for your home's structure, personal belongings, and liability. You can also add additional coverage for jewellery, art, and computers.

It's important to review your homeowners insurance policy regularly to make sure it still meets your needs. As your home ages, it may become more vulnerable to damage, and your personal belongings may increase in value. Getting homeowners insurance in Charleston, West Virginia, is a smart move to protect your family and your property. The average price of homeowner's insurance in Placer County is $829. Most homeowners find this amount somewhat overwhelming, but there are a few ways to cut costs.

Ways to Reduce Your Home Insurance in Charleston, WV is:

By Installing Safety Features to Protect Your Home

You can save money on your homeowners insurance in Charleston, West Virginia, by installing safety features in your home. Some simple things like deadbolts on your doors and smoke detectors can give you a discount on your premium. If you have a security system, mention it to your agent to see if you qualify for a lower rate. You can also get a discount if you have a fire extinguisher in your home. Some companies will give you a discount just for having these things, so it’s worth asking about. Homeowners can further reduce the cost of insurance by enhancing their homes with more contemporary features. For instance, in Charleston, West Virginia homeowners with deadbolts spend $530 for their insurance.

Cost of Home Insurance Based on the Coverage Level in Charleston, WV

The more coverage you have, the higher your premium will be. That's because a policy with more coverage has a higher potential payout for the insurance company. So, if you want to keep your rates low, you must only purchase the coverage you need. Of course, the coverage you need depends on several factors, including the value of your home and your personal belongings and your risk tolerance. If you have a lot of expensive belongings or live in an area prone to natural disasters, you will probably need more coverage than someone with fewer possessions or who lives in a low-risk area. For instance, homeowners in Charleston, West Virginia, shell out $1214 for a policy that provides $200,000 in coverage. The typical cost for coverage between $100K and $300K for homeowners in Charleston, West Virginia, is between $470 and $2284.

By Maintaining Zero Claims History

If you have a history of filing claims, your insurance company will likely see you as a high-risk customer and charge you higher rates. On the other hand, if you have a clean claims history, you will be seen as a low-risk customer and will likely receive lower rates. Homeowners in Charleston, West Virginia, who have no claims pay $721 for their insurance, compared to $870 and $937 for those with one or two claims.

Charleston, WV Homeowners Insurance By Home Value

Charleston, WV Home Value Total Homes % of Total Average Charleston, WV Homeowners Insurance
Less than $50,000 1,573 12.0% $158
$50,000 to $59,999 619 4.0% $335
$60,000 to $69,999 681 5.0% $419
$70,000 to $79,999 673 5.0% $485
$80,000 to $89,999 727 5.0% $550
$90,000 to $99,999 704 5.0% $615
$100,000 to $124,999 1,411 10.0% $718
$125,000 to $149,999 1,087 8.0% $895
$150,000 to $174,999 1,245 9.0% $1063
$175,000 to $199,999 933 7.0% $1231
$200,000 to $249,999 1,374 10.0% $1474
$250,000 to $299,999 943 7.0% $1810
$300,000 to $399,999 1,095 8.0% $2295

Top Home Insurance Agents Near Charleston, WV

Home Insurance Company Near Charleston, WV Homeowners Insurance Agency Near Charleston, WV Address
NA Evans-Moore Insurance Agency, Inc. 514 2Nd Ave , Gallipolis, OH, 45631
NA Crum Insurance 621 3Rd Ave Frnt , Chesapeake, OH, 45619
Travelers Peoples Insurance Agency Llc 101 FIFTH AVE, HUNTINGTON, WV, 25701
Allstate Travis Foster 127 Goff Mountain Rd, Cross Lanes, WV, 25313
State Farm Tyler Courts 101 Court St N, Ripley, WV, 25271-1207

Charleston, WV Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Charleston, WV

Streets in Charleston Area Homeowners Insurance Cost
Chamnes Ln, Athens Ave, Callie Rd, Baird Dr, Hunt Ave, Co Rte 20, Hinton, Marburn Rd, Titan Dr, Wesley Dr$896
Francis Dr, Old US Hwy 60, Ehman Dr, Westview Dr, Tudor Rd, S St, Mud Lick Rd, 50th St SE, Penn Ave, Poplar St$923
Evergreen Dr, Capitol St, 72nd St SE, Ring Hollow Rd, Hazel Rd, Beacon Ln, Pickford Ct, Mount Alpha Rd, Beulah St, Rose Hill Dr$927
Woodvale Dr, Frog Creek, California Ave, Hunter Rd, Phyllis Dr, McGuffin Dr, Thornhill Ln, Kent St, Co Rte 119/73, Brookstone Rd$930
Lynnhaven Dr, Slacks Branch Rd, Lyndale Dr, Friendly Dr, McCormick St, Co Rte 73/7, Rummelbrown Dr, Quarrier St E, Jane St, Shelton Ave$933
E 5th St, Puckett Dr, Layman Ln, State Forest Connell Rd, Wilkie Dr, Rattlesnake Hollow Rd, Westminister Way, Forest Edge Ln, Potomac St, Aliff Dr$885
Dryden Rd, Biden Dr, Heavenly Dr, Davis Creek, Danner Rd, Viola Rd, 20th St SE, Cross Creek Rd, Claymont Rd, Brynwood Dr$908
Kingston Ct, Pittman Rd, Chandler Dr, King St, Mink Shoal Branch, Mountain Rd, Co Rte 46/3, Walden St, Branch Rd, Draper Dr$900
Columbia Ave, School St, Bare Ln, 4th St E, Floyd Dr, Upper Ridgeway Rd, Quail Pointe Dr, McDonald St, E Donnally Rd, Shellar Dr$898
Edgewood Dr, Young St, Clover Dr, Hermitage Rd, Somerlayton Rd, Kay Ln, Rustling Rd, Newton Rd, Glen Cove Dr, Kinser Rd$952

Charleston, WV Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Charleston$139 to $142
South Charleston$136

Charleston, WV Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
South Charleston city, West Virginia $136 $181 $272
Dunbar city, West Virginia $134 $179 $269
Rand CDP, West Virginia $131 $175 $263

Charleston, WV Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Charleston, WV6.7%21.0%
South Charleston7.84%22.1%

Charleston Renters Insurance as a Percentage of Rent

Charleston Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 496 5.0% $353
$200 to $299 611 7.0% $803
$300 to $499 1,364 15.0% $1253
$500 to $749 3,405 39.0% $1928
$750 to $999 1,750 20.0% $2678
$1,000 to $1,499 799 9.0% $3803
$1,500 or more 180 2.0% $5453

Charleston, WV Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Charleston Homeowner Insurance Premium Example $1,400$900
Out of Pocket Expense During Claim$1,700$4,700
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $11,500$11,000
Net Savings to Charleston Home Owner from High Deductible Plan $500

Charleston, WV Home Insurance Costs With Home Replacement Value Scenarios

Scenario Charleston, WV Home Replacement Value MORE than Home Value Charleston, WV Home Replacement Value LESS than Home Value
Replacement Value $105,500 $64,500
Insurance Premium based on Replacement Value $500 $300
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $20,500 Risk Exposure from Under Insuring Coverage is $20,500
Premium Impact Insurance cheaper by $100/year Insurance costlier by $100/year

Example Charleston Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Erie InsuranceAmica Mutual Insurance CompanyGEICO Insurance
Monthly Premium 395545
Year Built 196419561977
Home Details 3 Beds, 2 Baths5 Beds, 1 Baths2 Beds, 1 Baths
Coverage Amount $175000-$200000$200000-$250000$125000-$150000
Deductible $5000 to $10,000 Deductible> $10,000 Deductible$500 Deductible

Sample Home Insurance Rates for Charleston, WV from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1977 200,000 Asphalt Shingles Roof 2,240 3 $1000-$2500 Deductible 70 1 Wood siding No
1956 380,000 Composition Roof 3,860 5 $500 Deductible 1070 7 Stone Siding No
1965 160,000 Membrane Roof 2,150 3 $500- $1000 Deductible 890 12 Stucco siding yes
1984 310,000 Composition Roof 3,130 4 $5000 to $10,000 Deductible 780 12 Stone Siding No
1975 125,000 Wood Shake Roof 1,230 3 $500 Deductible 50 1 Stone Siding No
1950 180,000 Membrane Roof 1,750 2 $500- $1000 Deductible 50 1 Stone Siding No
1963 165,000 Composition Roof 1,630 5 $500- $1000 Deductible 670 9 Brick siding yes
1944 65,000 Slate Shingles Roof 900 2 $2500-$5000 Deductible 20 1 Stone Siding No
1984 135,000 Membrane Roof 1,650 3 $500 Deductible 570 8 Stone Siding yes
1951 280,000 Metal Roof 3,310 4 $2500-$5000 Deductible 190 2 Fiber-Cement Siding yes
1989 135,000 Slate Shingles Roof 1,280 2 $2500-$5000 Deductible 30 1 Stucco siding No
1962 350,000 Metal Roof 4,480 5 $500- $1000 Deductible 1080 8 Stone Siding yes
1942 480,000 Wood Shake Roof 4,660 5 $2500-$5000 Deductible 1620 8 Vinyl siding yes
1965 95,000 Slate Shingles Roof 1,160 2 $500- $1000 Deductible 190 6 Fiber-Cement Siding yes
1972 85,000 Slate Shingles Roof 910 2 $500- $1000 Deductible 290 8 Stucco siding No
1982 270,000 Asphalt Shingles Roof 2,840 4 > $10,000 Deductible 350 7 Fiber-Cement Siding yes
1988 75,000 Slate Shingles Roof 1,050 2 $1000-$2500 Deductible 100 3 Wood siding yes
1945 245,000 Slate Shingles Roof 2,650 4 $500 Deductible 1120 10 Stone Siding yes
1973 240,000 Composition Roof 2,580 4 $5000 to $10,000 Deductible 350 6 Vinyl siding No
1960 245,000 Tile Roof 2,520 4 $500 Deductible 1620 12 Brick siding No
1987 145,000 Membrane Roof 1,680 2 $2500-$5000 Deductible 250 5 Wood siding No
1945 90,000 Slate Shingles Roof 1,100 2 $1000-$2500 Deductible 80 2 Stone Siding yes
1959 180,000 Tile Roof 1,750 2 $500- $1000 Deductible 480 8 Brick siding yes
1968 170,000 Shingles Roof 1,740 2 $5000 to $10,000 Deductible 110 3 Vinyl siding No
1984 100,000 Asphalt Shingles Roof 1,360 2 $500- $1000 Deductible 110 3 Fiber-Cement Siding No
1974 130,000 Membrane Roof 1,260 2 $500 Deductible 340 9 Fiber-Cement Siding yes
1977 180,000 Asphalt Shingles Roof 2,010 4 $5000 to $10,000 Deductible 510 10 Stone Siding yes
1975 360,000 Composition Roof 4,250 5 $5000 to $10,000 Deductible 370 3 Wood siding yes
1988 95,000 Tile Roof 1,270 3 $1000-$2500 Deductible 110 3 Stone Siding yes
1947 195,000 Slate Shingles Roof 2,110 4 $500 Deductible 340 6 Brick siding No
1946 140,000 Wood Shake Roof 1,470 2 $1000-$2500 Deductible 80 2 Stone Siding No
1962 80,000 Metal Roof 1,010 2 $1000-$2500 Deductible 90 5 Vinyl siding yes
1957 310,000 Metal Roof 3,060 4 $500- $1000 Deductible 480 4 Stucco siding No
1952 120,000 Asphalt Shingles Roof 1,220 3 $1000-$2500 Deductible 40 1 Stone Siding yes
1945 235,000 Metal Roof 2,610 4 $1000-$2500 Deductible 760 8 Stucco siding No

Latest Home Insurance Reviews

Erie Insurance
Erie is a good insurance company that Have used for a very long while and I love the amount I pay for health care and the prenium amounts.I am satisfied with what they are doing but believe they can do better.
Erie Insurance
We needed to call customer service to add pictures of our current basement setup just in case there was flooding from our sump pump- we could prove the cost of all of the electronics.
State Farm
I would highly recommend State Farm for home insurance, for their promptness and attention to detail as it relates to every concern for the customer. The availability of customer service is local and online.
There premium and deductible are very nice. Before I chose this company I checked a lot of companies and then I chose this one.
Farmer's Insurance
This company has been there for me since day one offering me great rates and affordable insurance. Extending a recommendation out to those I care about is a no brained. They treat you like family and you always feel that way when you go.
My experience with my home insurance company is 3 out 5. Anytime I have a complaint the company seems to be bothered or negative about a resolution for my home.
State Farm
I like state farm because they pay their claims quickly and handle claims quickly. we had one claim in my home for water pipe broke and ruined my carpet. they had to replace it and it was all done quickly and professionally.
Liberty Mutual
They are friendly and have serviced this community for a long time. Got us the best rate for the type of home and location.
State Farm
Since being a part of this company, I have only had slight premium increase. It would be nice to receive a "bonus" for an extended time without claims. For homeowners and auto insurance.
State Farm
They don't call and bother me very often which I like and when I contact them, they are super prompt. They're very flexible on how they communicate too.
based on pricing and on the customer service (haven't filed a claim yet) then I would definitely recommend them to anyone who is looking.
Erie Insurance
I love erie insurance they are the best in the area for cutlstkmer service and rates

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